St.George Vertigo Platinum – Cashback Offer

Last updated: Nov 11, 2020

Enjoy $300 cashback with a new St.George Vertigo Platinum card, plus a competitive annual fee and complimentary insurance covers.

The St.George Vertigo Platinum gives you a way to get more value from your spending, with $300 cashback on your new credit card when you apply by 30 March 2021 and spend at least $900 in the first 90 days from approval.

It also offers platinum perks, including a range of complimentary insurance covers that can help you travel and shop with peace of mind.

6.99% p.a.

Balance transfer rate

for 12 months

12.99% p.a.

Purchase rate

$99 p.a.

Annual fee

55 days

Interest free period

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Details

Product Name	St.George Vertigo Platinum - Cashback Offer
Balance transfer rate	6.99% p.a. for 12 months
Balance transfer revert rate	Cash Advance Rate (21.49% p.a.)
Balance transfer limit	80% of available limit
Purchase rate	12.99% p.a.
Annual fee	$99
Interest-free period	55 days
Cash advance rate	21.49% p.a.
Min credit limit	$6,000
Max credit limit	$80,000
Card type	Visa
Foreign currency conversion fee	3%

Available to temporary residents	Yes - Conditions apply
Joint application	No

Pros

$300 cashback offer
Low purchase rate of 12.99% p.a.
Complimentary overseas travel insurance and purchase insurance covers

Cons

Does not offer any introductory rate on purchases
Platinum-tier card that does not offer a rewards program
Charges a 3% foreign currency conversion fee

Annual fee	$99
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	3%
Cash advance fee	2% or $2.50, whichever is greater
Overseas cash advance fee	2% of the value of the transaction or minimum charge of $2.50
Additional cardholder fee	$0
Number of additional cardholders	3

Go to St.George Bank's site More info

Expert review

Review by

Amy Bradney-George

amy.bradney-george@finder.com

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The St.George Vertigo Platinum credit card has an introductory offer that can get you $300 back on your account if you’re a new cardholder. If you factor in the $99 annual fee, you could get $201 value from this offer in the first year.

This platinum product also offers complimentary overseas travel and medical insurance, purchase insurance and extended warranty insurance. While you won’t earn rewards for your spending, the Vertigo Platinum offers plenty of value for a competitive annual fee.

However, if you like the idea of a 0% purchase interest for 15 months and a discounted annual fee for the first year, you should take a look at this St.George Vertigo Platinum offer as well.

How to apply

You can apply for the St.George Vertigo Platinum online in around 10 minutes and can receive a response instantly. Before you apply, make sure you meet the eligibility criteria and organise the necessary documents:

Eligibility criteria

Residency. In order to apply online, you must be a permanent Australian resident or citizen.
Age. You must be at least 18 years old to apply.

Credit history. You must have a good credit score and history to apply.
Balance transfer. If there is a balance transfer rate available and you plan to transfer a debt, St.George allows you to transfer from $200 up to 80% of your available credit limit from up to three Australian-issued cards not from St.George, Bank of Melbourne or BankSA.

Required documents

Personal details. This includes your full name, email address, date of birth, driver's licence number, marital status, number of dependents and contact number.
Proof of identification. At least two of the following: Driver's licence, Medicare card, Passport, Australian birth certificate or NSW photo card.
Finances. You'll need to include your primary income details, as well as information regarding your assets, savings, investments and expenses. This includes the repayment amounts and balances owing on any liabilities.
Employment. You'll need to include your employer's name and contact details. If you're self-employed, you'll need to include recent tax information.
Balance transfer details. If there is a balance transfer rate available and you plan to transfer a debt(s), you'll be asked to list how much debt you're applying to transfer as well as details regarding the account(s) you're moving it from.

Go to St.George Bank's site More info

Card benefits

$300 cashback. You'll get $300 back to your new St.George Vertigo Platinum card when you apply by 30 March 2021, are approved and spend $900 on eligible purchases within the first 90 days from card approval. Eligible spending covers most everyday purchases. Transactions that won't count towards this spend requirement include BPAY payments, cash advance transactions, government charges, balance transfers and account fees and charges. The $300 will be added to your credit card account as a statement credit within 60 days of meeting the spending requirement.
Overseas travel insurance cover. You and your family will be covered for hospital and medical expenses, unexpected trip cancellation and rental vehicle excess for up to 6 months when you put at least $500 of your prepaid travel costs on your St.George Vertigo Platinum card.

Domestic flight inconvenience insurance. You and your family will be covered for interstate holidays of up to 14 days for delays, rental vehicle excess and loss or damage to personal items.
Purchase insurance. When you make a new purchase using your card, you'll be covered against theft, loss or damage for up to 4 months.
Price guarantee cover. This cover allows you to claim the difference in price back on an eligible purchase if you find it cheaper within 21 days, up to $300.
Extended warranty insurance. This cover extends your warranty by up to 12 months on a manufacturer's expressed Australian warranty.
Balance transfer offer. Save on interest costs when paying off existing debt with 6.99% p.a. balance transfer offer for up to 12 months with no balance transfer fee. Any remaining balance after the promotional period ends is subject to the cash advance rate.
Mobile payment technology. By adding this card to your Apple Pay, Google Pay or Samsung Pay wallet, you can easily make tap and go payments straight from your phone or other eligible devices.

Rates & fees

Annual fee. This card charges a standard annual fee of $99.
Purchase rate. This card charges a competitively low variable purchase rate of 12.99% p.a.

Cash advances. The St.George Vertigo Platinum charges a variable cash advance rate of 21.49% p.a. Cash advance transactions are also subject to a fee of 2% of the transaction amount ($2.50 minimum, capped at $150).
Interest-free days. When you pay your monthly payment balance in full, which excludes current balance transfers, listed on your statement by the payment due date, you will receive up to 55 days interest-free on new purchases. Note that interest-free days are separate from any longer-term interest rate promotions.
Foreign currency conversion fee. Transactions made in a foreign currency are subject to a fee of 3% of the Australian dollar value.
Additional cardholders. For no extra cost, you can add up to 3 additional cardholders to your account.

Go to St.George Bank's site More info

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St.George Vertigo Platinum – Cashback Offer